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BOC Group Life Assurance Company Limited — same-insurer plan comparison

BOC Group Life Assurance Company Limited · 2 plan series (5 variants, deductibles merged, sorted from basic to comprehensive)

Display optionsMerge deductible variants

項目

BOC Life Standard VHIS

SmartViva Flexi VHIS - HKD0 Deductible

Highlights

VHIS cert no.

S00022-01-000-02

F00057-01-000-02

F00057-02-000-02

F00057-03-000-02

F00057-04-000-02

Plan type

Standard

Flexi

Coverage region

Worldwide

Worldwide (excluding United States)

Ward

N/A (capped)

Standard Private Room

Lifetime limit

—

Annual limit

Per illness

—

SMM top-up

—

Deductible

—

Version

Mar 28, 2021

Aug 1, 2022

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

Full reimbursement of Eligible Expenses

(b) Miscellaneous charges

$14,000 per Policy Year

Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)

$750 per day, maximum 180 days per Policy Year

Full reimbursement of Eligible Expenses

(d) Specialist's fee

$4,300 per Policy Year

Full reimbursement of Eligible Expenses

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

Full reimbursement of Eligible Expenses

(f) Surgeon's fee

—

Full reimbursement of Eligible Expenses

Surgeon's fee — Minor

$ 5,000

—

Surgeon's fee — Intermediate

$12,500

—

Surgeon's fee — Major

$25,000

—

Surgeon's fee — Complex

$50,000

—

(g) Anaesthetist's fee

35% of Surgeon's fee payable

Full reimbursement of Eligible Expenses

(h) Operating theatre charges

35% of Surgeon's fee payable

Full reimbursement of Eligible Expenses

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

Full reimbursement of Eligible Expenses

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

Full reimbursement of Eligible Expenses

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

Full reimbursement of Eligible Expenses, for the consultations specified below:1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure;All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure;All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Full reimbursement of Eligible Expenses

Extra Benefits Extra

Accident-related

Emergency outpatient treatment for Accident

—

Full reimbursement of Eligible Expenses within 48 hours of the Accident or Emergency

Inpatient-related

Medical implants / prosthetic devices

—

$132,000 per device per Policy Year

Complications of pregnancy

—

$200,000 per Policy Year

Hospital companion bed fee reimbursement

—

Full reimbursement of Eligible Expenses

Private nursing fee (during Confinement)

—

$1,000 per day (maximum 90 days per Policy Year)

Outpatient-related

Cancer / cardiac / stroke rehabilitation benefit

—

$3,000 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval)

Outpatient kidney dialysis

—

Full reimbursement of Eligible Expenses

Health check-up benefit

—

$4,500 per Policy Year

Hospice and palliative care benefit

—

$132,000 per Policy Year

Chinese Medicine Practitioner outpatient care

—

$600 per visit, maximum 20 visits per Policy Year

Aggregate Limits

Overseas Organ Transplant Aggregate Limit

—

$1,650,000 per Policy Year

Cash Benefits Cash

Second-claim cash allowance

$200 per day, maximum 90 days per Policy Year

—

Event Benefits Event

Medical accident and incident extension benefit

$100,000

—

Compassionate death benefit

$5,000

Plan name

BOC Life Standard VHIS

中銀人壽標準自願醫保

Entry-level Pick

Ver. Mar 28, 2021

VHIS cert no.

S00022-01-000-02

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee不限手術類別

—

Surgeon's fee — Minor

$ 5,000

Surgeon's fee — Intermediate

$12,500

Surgeon's fee — Major

$25,000

Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee不限手術類別

35% of Surgeon's fee payable

(h) Operating theatre charges不限手術類別

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Extra Benefits Extra

Accident-related

Emergency outpatient treatment for Accident

—

Inpatient-related

Medical implants / prosthetic devices

—

Complications of pregnancy

—

Hospital companion bed fee reimbursement

—

Private nursing fee (during Confinement)

—

Outpatient-related

Cancer / cardiac / stroke rehabilitation benefit

—

Outpatient kidney dialysis

—

Health check-up benefit

—

Hospice and palliative care benefit

—

Chinese Medicine Practitioner outpatient care

—

Aggregate Limits

Overseas Organ Transplant Aggregate Limit

—

Cash Benefits Cash

Second-claim cash allowanceAfter other pays

$200

Event Benefits Event

Medical accident and incident extension benefit

$100,000

Compassionate death benefit

$5,000

Plan 1 / 2

中銀人壽標準自願醫保

BOC Life Standard VHIS

Entry-level PickVer. Mar 28, 2021

VHIS cert no.: S00022-01-000-02
Plan Type: Standard
Coverage region: Worldwide
Ward class: N/A (capped)
Annual benefit limit: HK$420,000
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費不限手術類別: —
　　外科醫生費 — 小型: $ 5,000
　　外科醫生費 — 中型: $12,500
　　外科醫生費 — 大型: $25,000
　　外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費不限手術類別: 35% of Surgeon's fee payable
(h) 手術室費不限手術類別: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

Extra Benefits Extra

復康保障: —
門診洗腎: —
醫療植入裝置: —
懷孕併發症: —
意外急症門診治療費用賠償: —
身體檢查保障: —
住院陪床: —
私家看護費 (住院期間): —
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
於任何地方但不包括美國及香港進行的器官移植手術並取得預先批准,其 1) 基本保障下保障項目(a) – (i)及(k),以及 2) 額外保障下保障項目(a)、(b)、(f)、(g)、(h)及(i)的總保障限額: —

Cash Benefits Cash

第二索償現金津貼: $200

Event Benefits Event

醫療意外事故保障: $100,000
恩恤身故賠償: $5,000

Plan 2 / 2

非凡守護靈活自願醫保

SmartViva Flexi VHIS

High-endVer. Aug 1, 2022

VHIS cert no.: F00057-01-000-02F00057-02-000-02F00057-03-000-02F00057-04-000-02
Plan Type: Flexi
Coverage region: Worldwide (excluding United States)
Ward class: Standard Private Room
Annual benefit limit: HK$33,000,000
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: $0 / $10K / $30K / $70K

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費不限手術類別: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費不限手術類別: Full reimbursement
(h) 手術室費不限手術類別: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure; • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: Full reimbursement

Extra Benefits Extra

復康保障: $3,000 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval)
門診洗腎: Full reimbursement
醫療植入裝置: $132,000
懷孕併發症: $200,000
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses within 48 hours of the Accident or Emergency
身體檢查保障: $4,500
住院陪床: Full reimbursement
私家看護費 (住院期間): $1,000 per day (maximum 90 days per Policy Year)
善終服務: $132,000
出院後 / 日間手術後的中醫門診治療: $600 per visit, maximum 20 visits per Policy Year
於任何地方但不包括美國及香港進行的器官移植手術並取得預先批准,其 1) 基本保障下保障項目(a) – (i)及(k),以及 2) 額外保障下保障項目(a)、(b)、(f)、(g)、(h)及(i)的總保障限額: $1,650,000

Cash Benefits Cash

第二索償現金津貼: —

Event Benefits Event

醫療意外事故保障: —
恩恤身故賠償: $5,000